The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,474
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,111
−HK$647/mo
Today · 4.125%
HK$21,758
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,516/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,777
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,388
−HK$619/mo
Today · 4.125%
HK$24,007
baseline
▲ 0.50% · 4.625%
HK$25,273
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,014/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$776/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,698
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,332
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$744/mo
Today · 4.125%
HK$28,809
baseline
▲ 0.50% · 4.625%
HK$30,327
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,618/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,663
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,555
−HK$906/mo
Today · 4.125%
HK$30,461
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,922/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,888
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,743
−HK$867/mo
Today · 4.125%
HK$33,610
baseline
▲ 0.50% · 4.625%
HK$35,382
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,220/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,853
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,999
−HK$1,165/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,328/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,998
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,115/mo
Today · 4.125%
HK$43,213
baseline
▲ 0.50% · 4.625%
HK$45,491
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,426/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,362 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).